Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$219,144Cash toward the purchase price.
Closing costs + prepaids$8,316Not just lender fees.
Before credits & paid funds$227,460The complete starting cash picture.
Estimated remaining funds due at closing
$227,460No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$219,144.14
Your down payment$219,144.14
Closing costs + prepaids$8,315.89
Total buyer cash needed$227,460.03
Remaining funds due$227,460.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$2,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$28.78
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$793.00
Prepaid interest, first (28 days)$27.11
Fees + prepaids$8,315.89
Your down payment is the seller’s equity. You take over the $5,756 balance, so the rest of the $224,900 price is paid at closing. A second mortgage can cover part of it. $227,460.03 is due at closing. Uses and sources reconcile at $233,215.89 each. Not a Closing Disclosure.